all of these black people crazy about obama, you had better think twice. thank you. guest: you were right that houses were overpriced in california, but they were overpriced before the bubble. houses in north carolina might cost you $600,000 before the bubble, $1.5 million at the height of the bubble, and now down to $400,000 -- four times as expensive as they would begin south carolina, which does not have land use restrictions. host: denver, colorado, ron. republican women. -- republican. caller: good morning. it seems like the community reinvestment act that was passed in 1975 more or less laid the foundation for the housing bubble as that was the beginning of the sub-prime. that evolves and was expanded upon. business took advantage of it. because of that we get the ball. the -- bubble. the cra is still on the books, and sub-prime loans are still being made. i was wondering, do you think a major part of the foundation was the community reinvestment act and ended should be eliminated? he called the community reinvestment act, i do not think it had as big or roll w